Saco & Biddeford Savings Institution: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 2.9% to $9.3M. On net interest margin, Saco & Biddeford Savings Institution is 2nd from the bottom among 22 Maine banks, 2.34% (Q2 2026). Saco & Biddeford Savings Institution reported 2.34% on net interest margin for Q2 2026, 1.37 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 5.27% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.70% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.34% |
| Yield to cost spread | 1.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.7M |
| Total interest expense | $9.3M |
| Interest expense on deposits | $6.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.06% | 2.27% | 1.95% | 4.25% | 2.92% |
| Q4 2023 | 4.24% | 2.52% | 1.87% | 4.45% | 2.91% |
| Q1 2024 | 4.30% | 2.65% | 1.76% | 4.49% | 2.88% |
| Q2 2024 | 4.37% | 2.66% | 1.81% | 4.58% | 2.92% |
| Q3 2024 | 4.55% | 2.70% | 1.95% | 4.80% | 2.91% |
| Q4 2024 | 4.62% | 2.76% | 1.96% | 4.87% | 3.03% |
| Q1 2025 | 4.60% | 2.74% | 1.97% | 4.89% | 2.96% |
| Q2 2025 | 4.71% | 2.75% | 2.06% | 5.01% | 2.98% |
| Q3 2025 | 4.82% | 2.74% | 2.18% | 5.13% | 2.99% |
| Q4 2025 | 4.89% | 2.70% | 2.29% | 5.22% | 3.00% |
| Q1 2026 | 4.88% | 2.65% | 2.33% | 5.21% | 2.98% |
| Q2 2026 | 4.94% | 2.70% | 2.34% | 5.27% | 3.04% |
Saco & Biddeford Savings Institution yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Saco & Biddeford Savings Institution, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Saco & Biddeford Savings Institution profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17743) · FFIEC NIC profile (RSSD 339607)